Life Cover

Life assurance plans provide a lump sum on your death and come in two forms: term and whole of life. Term plans provide cover for a specified period of time whereas whole of life plans provide cover for as long as you keep up your premium payments.

Term assurance plans

Life cover pays out if you die during the term of your policy, and in some cases, if you are diagnosed with a terminal illness before the last 12 months of your plan. The specific reasons for taking out a term assurance plan vary from one person to the next but the most common reasons are:

• Mortgage protection
• Family protection
• Business protection

Whole of life plans

Whole of life plans are designed to cover liabilities that will arise on your death, such as an inheritance tax bill, or to supplement what you leave to your heirs. For advice on this form of insurance please visit Cooper Associates Wealth Management Ltd, who are an appointed representative of St. James’s Place Wealth Management

A tailored solution

We don’t believe in off-the shelf solutions, and our advisors know that every client’s circumstances are unique. This is why our advice is provided face-to-face and focused on the personal needs of each individual client. Our independent advisors will work closely with you to offer protection solutions specifically tailored to you.

Our advisors are authorised and regulated by the Financial Services Authority and follow strict codes of conduct, so you’re much better protected if you buy through an advisor than if you buy without advice.

Cooper Associates Ltd are introducers to St. James’s Place Wealth Management, who are authorised and regulated by the Financial Services Authority.